Senior Software Engineer, Lending

About the role

Chime’s Lending org builds the products and platforms that give members access to fair, transparent credit and liquidity when they need it most, from Earned Wage Access through MyPay, to flexible overdraft with SpotMe, to longer-term Instant Loans, and the platforms that power credit decisions, funding, repayments, and servicing behind the scenes.

Responsibilities

- Lead end-to-end architecture and delivery of backend systems that connect member-facing lending products with shared platforms such as Credit Risk, Capital Markets, Repayments, servicing, and core financial systems. - Drive complex, cross-team initiatives from problem definition through architecture, implementation, rollout, and iteration, especially where multiple teams or domains need to move in sync. - Own technical problems with real business and member impact, and bring structure, momentum, and clarity when the path is not obvious. - Define and evolve APIs, integration patterns, and data contracts so product teams can move faster without compromising safety, correctness, or reuse. - Design for scale, resiliency, observability, and operational excellence, with strong handling of failures, retries, reconciliation, auditability, and edge cases. - Identify opportunities to turn one-off product needs into reusable platform capabilities that unlock future velocity across Lending. - Partner closely with Product, Design, Risk, Data Science, Analytics, Finance, and Operations to translate ambiguous problems into practical, high-leverage technical solutions. - Influence how product and platform teams work together by clarifying ownership, reducing integration friction, and improving the quality of technical decision-making across boundaries. - Participate in on-call and incident response, and lead efforts to turn production lessons into lasting improvements in systems, tooling, and engineering practices. - Mentor other engineers through design reviews, technical feedback, and hands-on partnership, helping raise the leadership capacity of the broader org.

Qualifications

- 8+ years of experience building and operating production software at scale, with a strong track record of owning backend systems end-to-end. - Strong backend engineering fundamentals, ideally with Ruby on Rails or a comparable framework, and experience building APIs and distributed systems in production. - Experience with transactional databases, asynchronous processing, caching, and large-scale application architecture. - Strong system design judgment and the ability to make sound tradeoffs across correctness, scalability, resiliency, speed, and long-term maintainability. - A track record of leading complex projects that span multiple teams, systems, or business workflows. - Experience working in fintech, lending, banking, payments, risk, or other high-integrity domains where correctness, traceability, and operational rigor matter deeply. - A high-ownership mindset and comfort operating in ambiguity, including the ability to create clarity, drive alignment, and move important work forward without waiting for perfect structure. - Strong communication and collaboration skills, with the ability to influence across engineering and cross-functional teams in a low-ego, effective way. - A product mindset and strong instincts for connecting technical decisions to member experience and business outcomes. - Experience mentoring engineers and helping teams raise the bar on design quality, testing, operational excellence, and engineering ownership. - Curiosity, sound judgment, and a genuine desire to understand systems deeply and improve them over time.

Benefits

- Competitive salary based on experience. - 401k match plus great medical, dental, vision, life, and disability benefits. - Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off. - Annual wellness stipend to use towards eligible wellness related expenses. - Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents. - Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more. - In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too! - A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress.

Pay

- Commensurate with experience.

Schedule

- Hybrid work policy: 4 days in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location.